House hacking duplex — cost segregation timing + scaling strategy question

[Isaiah Prince]

Hi everyone,

I recently bought a duplex for $450k and am currently house hacking (living in one unit, renting the other). I’m planning to move out after about a year and hold the property long-term as a rental.

I’ve been learning about cost segregation and accelerated depreciation and wanted to sanity-check timing and strategy with people who’ve actually done this.

A few questions:

• Does it generally make more sense to wait until the property is 100% rental before doing a cost segregation study?

• For those who did cost seg on small multifamily (2–4 units), what made it worth it or not worth it?

• How did you actually deploy the tax savings afterward (next acquisition, reserves, debt paydown, etc.)?

For context, I’m early in my investing journey and focused on long-term portfolio growth, not just tax savings for their own sake.

Appreciate any insight or lessons learned.